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    ING Direct on line bank experiences

    Do any of you use the online bank ING (a.k.a. Orange) for your savings account? If so can you share whether it's been a positive experience, if so..why and if not..why not?
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    Read Any Good Books Lately on FIRE?

    I feel like I have the financial side of retirement figured out as best I can. So, now I'm looking more toward the 'softer' side..how will I spend my time, fullfil some dreams, not be bored, give something back,etc. I read another post here that talked about two books in this and so I read them...
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    4% of what?

    I thought I had the 4% SWR down pat...until I read a recent post. Is the 'generally' accepted 4% SWR widely considered to be a) 4% of the porfolio initial balance or b) 4% of the portfolio annual balance? I had thought it was the annual balance. I understood that this could result in some lean...
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    Unitized Stock Fund

    The company I work for (a large fortune 100) gives employees their 401K match, and an additional 3% of salary for retirement in company stock. Instead of really getting shares of the stock we get instead 'units' in what they call a 'unitized stock fund'. I"m not sure why they do this instead of...
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    Roth IRA Income Limit changes

    I've heard that the income limits for ROTH IRA eligibility are going to increase in 2006. For example, currently eligibility for a ROTH starts to phasea out at 150,000 and is no longer an option at 160,000 (Married, joint). Does anyone know of any website where I can learn about what the new...
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    Alternative to 72t for 55 year old ER?

    Is there any alternative to using 72t (SEPP) if you are 55 years old and retired to get $$ out of 401K without paying 10% penalty?
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    CashFlow?

    How do you generate the income you need to live on for the upcoming year? Here's the scenario; hubby and I will retire in 6 yrs, me 52, he 55 with about 2m in our 2 401k's. We'd like to generate about 65k/year to live on. We'll likely roll over the 401K's to IRA's upon retirement. Now what? Do...
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